...Economics & Finance 20.3 (2014): 1-12. Academic Search Complete. Web. 6 Mar. 2016. People who graduated with a college degree still questions whether college was a good investment for them. “Do the Benefits of College Still Outweigh the Costs?” addresses how students who graduated with a college degree are still unemployed and in debt. Furthermore, students have paid more to attend college and earning less upon graduation. This academic journal compares both the pros and cons of attending college. It contains graphs and illustrations that contribute more data about increasing tuition and how it affects your decision about whether to attend college. “The total costs to attend a 4-year college outweighs some people’s home value.” I thought this quote summarizes the academic journal very briefly. “Do the Benefits of College Still Outweigh the Costs?” is a scholarly source and an academic journal. The data in it is really reliable for my research paper. It contains graphs and illustrations which could be used to make conclusions. This academic journal is more biased towards the people who believe that the benefits of college do not outweigh the costs. I could potentially use this source to support my thesis more efficiently. I could use this to provide more backing to my body paragraphs. Alger, Vicki E. "Why College Costs So Darn Much . . . And What We Can Do To Fix It." Independent 25.2 (2015): 1-6. Academic Search Complete. Web. 7 Mar. 2016.f In this article Vicki...
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...Financial Counseling Should be Provided to All College Students A growing number of college students today are facing unnecessary hardships upon graduation from college because they lack preparation, and the necessary skills needed to manage their financial circumstances. Lack of knowledge combined with distracting, busy study schedules have led many college students to make poor decisions, leading to costly consequences upon graduation. According to the Project on Student Debt at The Institute for College Access & Success (TICAS) in the college graduate class of 2011, two-thirds had an average of $26,600 in student loan debt upon graduation; at the same time the unemployment rate among new graduates was at 8.8 percent ("Average Student Debt Climbs to $26,600 for Class of 2011"). As a result, thousands of new graduates are forced to face huge amounts of debt on student loans that they cannot pay, immediately after graduating. There has been talk on Capitol Hill about federal loans to help graduates with their debt. Government involvement to fix the problem seems very retroactive considering that universities could and should have taken a more proactive approach. Universities must better prepare their students for the foreseeable financial hardships they could face upon graduation by providing mandatory financial planning counseling to all students. Without proper counseling and direction, it is very easy for students to make big mistakes when it comes to seeking financial...
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...Annotated Bibliography for Student Debt Isaiah Graves DeVry University Annotated Bibliography for Student Debt Almost everyone in America is affected by some form of debt but the debt that is the leading costing is debt that student’s get while attending college, The funny thing is that there are ways to eliminate the debt before it pile up it just take some time and effort. Student debt should be taking more serious and instead of getting loans piled up students should look to apply for scholarships and grants. While in school students should take advantage of some the scholarships and grants that out there are things that some Put your first alphabetical reference here in correct APA format. Consult the textbook or Noodle Tools for tips on using APA style. Use a hanging indent paragraph structure; pay attention to capitalization, spacing, italics, and punctuation. Click here for more on Noodle Tools http://library.devry.edu/pdfs/using-NoodleTools.pdf Start the summary by stating the main points of the article here. Provide a high-level summary of the author’s main points and assess the credibility, reliability, and timeliness of the source. Start your assessment here: Next add your comment. How will you use the source? Does it define or explain the problem or issue? Support or contrast your thesis? Identify the section of your project where you could include your source. Avoid obvious ideas such as “this article was interesting and will be used in my paper” or...
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...Post your essay. Get expert feedback. For free. We're trying to help students improve their writing the hard way. Do you know students who want critical essay reviews from a professor of English Literature? Click like to share. Click here to sign up and post your own essay. We offer no paid services. All reviews are completely free. Online Education Vs.Traditional Education - With A Free Essay Review Online Education Vs. Traditional Education; University Of Phoenix; Composition One; B. White While Online Education and Traditional Education have similar curriculum, they differ in flexibility, tuition, and being a visual learner to those who are not. There are similarities in the both and that is no matter which one you would choose whether it be online education or traditional education you are achieving your goals that you have set for yourself. While having Online Education, there is more flexibility than traditional classroom because you can do your coursework any time of the day or night without having a set schedule when you have to do your coursework. There are so many people that are choosing to further their education by taking online courses instead of traditional classroom because of their busy work schedules. Professors teaching online education have set hours that they are on to answer any questions that you may have just like they do in a traditional classroom With cost of tuition on the rise it is still cheaper to furthering your education by taking...
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...Lora Smith COM/156 ASSIGNMENT-Thesis statement Using a credit card leads most Americans into debt. My thesis will be covering why I think that American’s should not use credit cards and the consequences that come along with being in such an industry. It will be covering the regulation’s benefits many companies have and the don’ts on having them and what will come along with accepting them. I will talk about hidden fees along with annual fees and all the fine print that everyone seems to not read. I will also touch basis on how one can stay out of debt in the paying process even though everyone wants a credit card some should not have one due to mismanaging of their incoming funds period. Writing on how my views on the credit card industry and why it is targeting the venerable and the young college students and people they know need credit and give it to them at a APR that is out of this world keeping them bound and in debt to them. My views on the credit card industry is that if they know that a person has more outgo then income then they should not extend the credit. Some people are so desperate and they know it that they will give them the credit but it will cost them just as much for the credit than the credit itself. My view from my stand point of view because I been there is that as long as you pay on time regardless if it’s the minimum they will keep extending credit to you so you can stay in debt to them and by the time you have paid one thing...
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...Credit Card Debt ATTENTION GAINER: I am going to need some audience participation. Everyone take a $5, $10, or $20 dollar bill out. How many of you are willing to rip your money up? You probably wouldn’t do it and think this is crazy, but we throw money away like this in the name of our car, television, or shoes every month. Let me give you an example. SIGNIFICANCE (ATLEAST 1 SOURCE): Let’s say you owe $1000 on your credit card and you have a minimum payment due of $25 and you are being charged 19% interest. How long do you think it would take you to pay it off by just making the minimum payments? The answer is 7 years according to the February 2005 issue of University Wire. And for the first year you would be paying somewhere between $10 - $15 in interest a month. This concerns you because using a credit card is a convenient way to make purchases but if you’re not careful you may fall into an uncontrollable debt. THESIS: Today I am going to introduce you to credit card debt. PREVIEW: I am first going to cover the problem of credit card debt and how it affects us, second who is to blame for credit debt, and finally the steps to take to avoid it. PROBLEM (ATLEAST 2 SOURCES): According to the May 2005 issue of the US Fed News, half of 1st year students own a credit card and almost all second-year students own a credit card. The average college student that owns a credit card has at least 4...
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...Use Credit Cards My thesis will be covering why I think that American’s should not use credit cards and the consequences that come along with being in such an industry. It will be covering the regulation’s benefits many companies have and the don’ts on having them and what will come along with accepting them. I will talk about hidden fees along with annual fees and all the fine print that everyone seems to not read. I will also touch basis on the way how one can stay out of debt in the paying process even though everyone wants a credit card some should not have one due to mismanaging of their incoming funds period. Writing on how my views on the credit card industry and why it is targeting the venerable and the young college students and people they know need credit and give it to them at a APR that is out of this world keeping them bound and in debt to them. My views on the credit card industry are that if they know that a person has more outgo then income then they should not extend the credit. Some people are so desperate and they know it that they will give them the credit but it will cost them just as much for the credit than the credit itself. My view from my stand point of view because I been there is that as long as you pay on time regardless if it’s the minimum they will keep extending credit to you so you can stay in debt to them and by the time you have paid one thing off you could have bought three of the same thing. In my thesis I want you expect that the...
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...My thesis will be covering why I think that American’s should not use credit cards and the consequences that come along with being in such an industry. It will be covering the regulation’s benefits many companies have and the don’ts on having them and what will come along with accepting them. I will talk about hidden fees along with annual fees and all the fine print that everyone seems to not read. I will also touch basis on how one can stay out of debt in the paying process even though everyone wants a credit card some should not have one due to mismanaging of their incoming funds period. Writing on how my views on the credit card industry and why it is targeting the venerable and the young college students and people they know need credit and give it to them at a APR that is out of this world keeping them bound and in debt to them. My views on the credit card industry is that if they know that a person has more outgo then income then they should not extend the credit. Some people are so desperate and they know it that they will give them the credit but it will cost them just as much for the credit than the credit itself. My view from my stand point of view because I been there is that as long as you pay on time regardless if it’s the minimum they will keep extending credit to you so you can stay in debt to them and by the time you have paid one thing off you could have bought three of the same thing. In my thesis I want you expect that the information that I...
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...Argument Analyzes In the article Student Loans Pack Surprising Benefits written Katy Hopkins, Hopkins says college debt may not be necessarily a bad thing if students borrow an amount that they can afford to finish a four-year college degree. Hopkins thinks students should take advantage of student loans because there are many benefits that students should experience while they’re still in school. In Hopkins’ article, she explains the four benefits of taking out loans to get a higher education and uses rhetoric appeals to support her points. Even though Hopkins successfully shows the good ethos and pathos to the readers, but the article still lacks logical appeal. The thesis of Hopkins article Student Loans Pack Surprising Benefits is...
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... Title: Student loan Debt Crisis Speaker: Markevia Lee Specific Purpose: To persuade the audience of their choice of taking out student loans. Thesis Statement: College is not something to put off until after you have graduated, students need to find ways to pay for college before they graduate. I. Introduction: Attention-getter: The increasing trend of college students graduating with significant more student loan debt than job prospects is both alarming and detrimental to the future growth of the nation. The cost of education and the widespread of federal student loans have created an education bubble to rival the housing boom that sparked the recession of 2007-2008. The more tuition rises, the more students need to take out loans. This problem is both current and urgent and must be acted upon now. Source: (http://www.usnews.com/news/articles/2014/11/13/average-student-loan-debt.) Establishment of Ethos: I have discovered there are ways student loan debt can be reduced by applying for scholarships and school grants. Preview: first, I will discuss recent graduates should be able to refinance their loans upon graduating, additionally, the government should intervene on behalf of students to encourage policies that lower college tuition, finally, I will you some examples of assisting students in the payment of college expenses. (Transition: “Let me start by showing the steps that should be taken to help recent graduates”) II. Body A. Student debts are exacerbated...
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...Thesis: I believe that education has become a business that has brought American families into great debt. Education is overrated! Ok class who can tell me what photosynthesis means? Ray? Yes, photosynthesis is the process in which plants absorb energy from the sun to get energy. Third grade, I will never forget it because it was questions like this that made me want to run and hide. I never got anything practical out of school except for girls in plaid skirts with black and white saddle shoes which drove me crazy. I could only imagine what high school would be like if I never really retained any information that was vital to my success. I hated school as much as it hated me and I know hate is a strong word. To use the term “Well Educated” sounds like someone who has accumulated a lot of books that they will never read again and debt that will follow them to the grave. I am a late bloomer because most of my peers went off to college while I went to work. I decided to go to college much later in life. When I speak to most of my high school friends they complain of college tuition and debt that still hunts them. Now I have been out of high school for twenty years, so that’s at least fifteen years of debt from college. Yes, I believe it’s all about the money and not the elite education that we so eagerly have to obtain right out of high school. Why is it that when we purchased homes for forty to seventy thousand dollars we needed a down payment? However when it comes...
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...complete a benchmark for English 12 POS ▪ Students will select a federal policy issue which interests them and research the policy (if it is a historical topic, think about the following: did Congress pass the legislation? Why did the policy succeed or fail? Did the president approve or veto the policy?) ▪ Each public policy topic from the list may only be selected by ONE student in each class period ▪ Students will make connections between their chosen public policy and topics studied in U.S. Government. Students must choose three of the topics below to address in their paper somehow: 1) Bipartisanship or lack thereof in Congress 2) Bureaucracies (agencies or heads of agencies) 3) Divided government or unified government 4) Federalism (lobbying efforts from states) 5) Interest groups (name specific) 6) Media (advertisements – describe) 7) Presidential leadership 8) Party discipline (or lack thereof) in Congress Requirements of the Combined Research Paper 1. Thesis Statement 2. Annotated Bibliography 3. Formal Outline 4. Final Paper (including parenthetical citations and Works Cited) Your paper must address an issue in which there is existing national legislation that needs to be amended and/or an issue where someone has been harmed or is being harmed and legislation is lacking. Your research paper should have an introduction with a clearly stated thesis, an explanation of the problem or controversy...
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...The basic elements of academic essay writing are two: a thesis and evidence, divided into three parts: an introduction, the systematic development of an argument, and a conclusion. All scholarly writing, from the most concise paper to the longest book, follows these basic guidlines. Thesis Historical essay writing is based upon the thesis. A thesis is a statement, an argument which will be presented by the writer. The thesis is in effect, your position, your particular interpretation, your way of seeing a problem. Resist the temptation, which many students have, to think of a thesis as simply "restating" an instructor's question. The writer should demonstrate originality and critical thinking by showing what the question is asking, and why it is important rather than merely repeating it. Your own informed perspective is what matters. Many first-year students ask whether the "thesis" is not just their "opinion" of a historical question. A thesis is indeed a "point of view," or "perspective," but of a particular sort: it is based not only on belief, but on a logical and systematic argument supported by evidence. The truism that we each have "our own" opinions misses the point. A good critical essay acknowledges that many perspectives are possible on any question, yet demonstrates the validity or correctness of the writer's own view. Thesis and Evidence To make a good argument you must have both a strong central thesis and plausible evidence; the two are interdependent and...
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...Catherine Chamberlain Grizli777 John stuart mill Catherine Chamberlain Grizli777 John stuart mill John Stuart Mill was born in London in 1806. In 1873 Mill wrote an autobiography gave great examples about his life and the education he had received. Mill was given this education by his father with the assistance of Jeremy Bentham and Francis Place (Mautner, 2014). Mill had learned to speak Greek by the age of three and then Latin a little later on. Mill was a competent logician by the age of twelve. At age sixteen he had already became a well-trained economist. Mill then suffered a nervous breakdown at the age of twenty and used this nervous breakdown to come to the realization he needed more in life than just devotion to the public good and an analytically sharp intellect (Mautner, 2014). As he had grown up a utilitarian, Mill now listened to Wordsworth, Goethe, and Coleridge to help cultivate his aesthetic sensibilities (Mautner, 2014). Mill wanted the British public to understand that there was a need for a scientific approach to understand the political, economic, and social change that was happening. In Mill’s autobiography he claims he introduced the word “utilitarian” to the English language when he was only sixteen. Mill had come into contact with the idea of utilitarian thought early on in life. In Mills writing of Utilitarianism (1861) he tries to justify the utilitarian principle as the foundation for morals (Schefczyk, 2014). The utilitarian...
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...Financial Statement Analysis Individual and Group Project This is a two part assignment. The first part is a Financial Statement Analysis of the firm you have been covering for your group (to be completed individually by each student). Common-size and base-year your firm’s financial statements for the most recent 5 years. (If your firm doesn’t have this year or last year as its most recent available financial statement, do not use this firm. It may have gone out of business or been acquired.) Compute the common financial ratios shown in the PowerPoint slides posted for this project. Be sure to use DuPont Analysis to decompose ROA and ROE into profit margin, turnover, and leverage. Discuss your firm’s strengths and weaknesses relative to the other firms in your group with respect to leverage and coverage, profitability, liquidity and turnover, and market values. In particular, you should be trying to explain your firm’s relative market value ranking using the other ratios. For example, if your firm’s market value ratios tend to be higher than those of the other firms in your group, your firm might do a better job of using debt (some to boost ROE but still having good coverage), might be more profitable or have faster turnover, and might have reasonable but not excessively high liquidity. Note here that because leverage and liquidity have costs and benefits and because high profit margins tend to lead to low turnover and vice versa, having intermediate levels of these...
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